Online Loans / Investor Hub

Intelligent, trusted investment with MoneyShop

Investment returns from

8.25% p.a.

Welcome to the Investor Hub of MoneyShop, the New Zealand personal loans company. Below, you’ll find our strong investment opportunities and details of returns reaching as high as 9% per annum.

This is not a regulated offer for the purposes of the Financial Markets Conduct Act 2013 (FMCA) and is only available to New Zealand investors who have certified that they meet the requirements in the FMCA for specified wholesale investors. See below.

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Contact MoneyShop’s CEO for a personal investment consultation

MoneyShop CEO Howard Baker invites you to contact him directly with any questions you have about your potential investment.

Combined Shape

Interest rates on amounts invested


Minimum investment of

$0 - $500,000


Any investment of

$500,000 - $1,000,000


Any investment of

$1,000,000 +

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A middle-aged couple walk their dog along a beach.

How do our loan investments work?

The Investment

The Investor invests $50,000 and MoneyShop sells $50,000 worth of loans (Peer to Peer lending). MoneyShop pays the Investor returns from 8.25% p.a. for amounts invested up to $500,000 after which it is 8.5% then any amount over $1million, is 9%. You must have a net worth in excess of 5 million dollars.

The Payments

When a client borrows for a two-year term, the corresponding investment also spans two years. Over this loan period, investors will receive both interest and capital on a monthly basis. MoneyShop commits to delivering these payments to investors, irrespective of the borrower's payments to MoneyShop.

Fixed interest rate

The interest rate to the Investor is fixed for the term of the loan, so if they get 8.25% today and we drop our rates to say 5%, then they still get 8.25% on all loans up to the date of the change. The same is true when we increase our rate.

Our current

MoneyShop is currently able to accept investments from certain wholesale investors, under the Financial Markets Conduct Act (FMCA), who fall within one of the following categories. If either apply to you and you are looking for a proven investment solution, contact us for your personal consultation.

Category One

You must have net assets in excess of

$5 million

For the last two years (Minimum investment of $50,000)

Category Two

You must invest


Or more

MoneyShop Group is not a registered Peer-to-Peer lender with the FMCA. We can not accept deposits unless the conditions above are met. Any offer resulting from this proposal is not a “regulated offer” for the purposes of the FMCA.

How you’ll help people across NZ

MoneyShop provides a lending service under which individuals seek loans to be funded by investors. Each individual is assessed by MoneyShop to ensure they comply with our lending standards. As an investor, by purchasing loan contracts from MoneyShop, you’re not only choosing an alternative investment, you’re helping others access support when they need it most.

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Why investors trust MoneyShop

Investors across New Zealand have trusted us with their investments for 30 years. MoneyShop is unique among other New Zealand finance companies because of our whole money lending process. Since we started in 1993, we have faced extreme economic volatility, and to date we have not missed a payment to an investor.

We ensure monthly payments to investors are made, regardless of whether the corresponding payments have been received from borrowers.

FAQ about investing with MoneyShop

Please contact us with your investment questions if they are not listed below.

Your investment is for the length of the loan. It will take approx 18 months for the return of capital. Whilst previous performance cannot be relied upon, MoneyShop is proud to have paid its investors on time and to have never missed a payment in 30 years.

Yes for the term of the loan.

Moneyshop can only accept deposits from qualifying wholesale investors, under the FMCA, who have a net worth in excess of $5 million or who invest $750,000 or more.

MoneyShop provides a peer-to-peer lending service. Moneyshop is not a licenced peer-to-peer lender under the Financial Markets Conduct Act 2013.

The investor will receive interest and capital on a monthly basis regardless of whether the borrower pays MoneyShop. Investors are encouraged to take independent financial advice.

Interest and capital on all loans is paid monthly in arrears. Investors have the option of reinvesting interest or have it paid out to their nominated bank account on a weekly basis.

MoneyShop will pay you the balance owing on the loan should the borrower die or go bankrupt.

MoneyShop pays your monthly capital and interest irrespective of whether MoneyShop gets paid by the borrower.

Your investment is a peer-to-peer investment, all loans allocated to you are yours and you can take ownership of them. Investors are encouraged to take independent financial advice.

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